Job Summar

As a Credit Analyst, Medium Enterprise in SME Banking, you’ll be responsible for collaborating with frontline sales staff including Sales Team Heads and Relationship Managers (RMs) in providing proactive account management in respect of the designated portfolio with the primary objectives of maximizing profits and returns (EP) whilst minimizing bad debts (EL management).

Key Responsibilities

• Coordinate with Credit approvers for preparing, editing, amending, and obtaining approval of BCAs.
• Support the entire CA Team in preparing various credit applications and reports.
• Assist in preparing BCAs for both existing customers and NTB cases, along with necessary control and follow-up reports, including but not limited to Early Alert reports.
• Provide high-quality credit assessments with clear justifications and thorough analysis to relevant credit units, ensuring a swift and efficient approval process.
• Maintain proactive, regular, and timely monitoring of the credit quality within the customer portfolio, adhering to the bank’s policies and guidelines.
• Collaborate with different bank units, including credit and risk control, to ensure timely and appropriate responses.
• Ensure strict control over submission deadlines for all types of applications and reports.
• Closely follow up with RMs on the submission of financial statements to enable timely credit analysis preparation.

Skills and Experience

• Bachelor’s degree preferably in finance, accounting, or other business-related fields.
• Prior working experience in banks, preferably credit and marketing related areas.
• Strong analytical, reasoning, and presentational skills.
• Good communication and interpersonal skills.
• Self-motivated and able to work and excel in a team environment.
• Fluency in both written and spoken English and Chinese(including spoken Putonghua).
• Proficiency in MS Office and other general skills of computer application.  

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.